2021.9.27 Domestic Payment Industry News
01
UnionPay Cloud QuickPass App is integrated with Tencent and WeChat for more usage scenarios
According to news on September 26, as early as August, some netizens discovered that the Cloud QuickPass App can already be used for payment in the Taobao App, and it also supports transfers to Alipay and WeChat Wallet, which means that WeChat Pay and Alipay have begun to gradually relax their ecological control. closed restrictions.
Following the mutual recognition and mutual scanning of payment codes, the interoperability between Tencent and Cloud QuickPass has now reached further breakthroughs. For example, the Cloud QuickPass App now supports the recharge services of Q coins, QQ Music and Tencent Video.
In addition, WeChat mini programs can now also support Cloud QuickPass App payment (grayscale test, the first batch of mini programs include WeChat Reading and Tencent Video, etc.).
It is understood that Tencent has previously announced the "WeChat External Link Content Management Specifications", announcing that WeChat will implement interconnection with "security as the bottom line" and will actively cooperate with other Internet platforms to achieve the same goal. Implement and explore the technical possibilities of smoothly using WeChat services on other platforms to achieve further interconnection.
Previous user tests found that the UnionPay App already supports payment by scanning WeChat and Alipay "personal payment codes", and some bank apps such as ICBC and China Construction Bank can also scan WeChat and Alipay to collect payments. Code payment; however, Union QuickPass payment code does not yet support WeChat and Alipay App recognition.
02
CCB will reduce some payment fees for small and micro enterprises and individual industrial and commercial households
On September 24, CCB issued an announcement stating that in order to do a good job in financial services To provide services, continue to benefit enterprises and the people, and effectively reduce the operating costs of market entities such as small and micro enterprises and individual industrial and commercial households, CCB has issued "Proposal for Payment of Handling Fees by Industrial and Commercial Households" requires that the preferential measures for some charging items in the "China Construction Bank Service Price List" will be adjusted and will take effect from 0:00 on September 30.
CCB has always implemented the decisions and arrangements of the Party Central Committee and the State Council, strengthened inclusive financial services, and improved the efficiency of financial services for small and micro enterprises. CCB has established mature guarantee mechanisms in terms of credit scale, credit policy, incentive fees, performance appraisal, internal funds and economic capital occupation.
For example, we will strengthen the assessment of indicators such as first-time borrowers, credit loans, and loan renewals, give policy preferences to small and micro enterprises in terms of provision and NPL tolerance, and implement a differentiated responsibility identification mechanism.
At the same time, in order to enrich the supply of products and services, since this year, CCB has increased its support for individual industrial and commercial households, researched and developed a series of "good loan" products; continued to promote platform operations and ecological construction, optimize customer experience, Improve service efficiency.
In terms of implementing bailout policies and supporting small and micro enterprises in difficulty, China Construction Bank, on the one hand, has made extension arrangements for eligible inclusive small and micro enterprise loans in accordance with relevant requirements to help enterprises survive temporary operations. difficulties to support the sustainable operation of enterprises; on the other hand, promote the construction of intelligent risk management tools, improve the comprehensive evaluation dimension of customer risks, strengthen the maturity management of existing customers, provide effective risk information reference for credit decisions such as loan renewal, and support the development of related businesses while ensuring that risks are generally controllable.
03
China CITIC Bank: Further implementation of the policy of fee reduction and profit sharing
Recently, China CITIC Bank issued an announcement on the further implementation of the policy of fee reduction and profit sharing. The announcement reads: To implement the work arrangements of the four ministries and commissions "Notice on Reducing Payment Fees for Small and Micro Enterprises and Individual Industrial and Commercial Households" (Yinfa [2021] No. 169), actively respond to relevant initiatives of regulatory authorities, and strive to assume social responsibilities, CITIC Bank plans to start from 2021 From September 30, 2020, payment handling fees will be reduced for all corporate customers.
According to the "Measures for the Administration of Service Prices of Commercial Banks" (China Banking Regulatory Commission and National Development and Reform Commission Order No. 1 of 2014), the adjusted service items and service prices are now announced as follows:
1. Cancel some bill business charges, including check production fees and loss reporting fees, as well as handling fees, production fees, and loss reporting fees for cashier's checks and bank drafts. The preferential period is long-term.
2. Reduce bank account service charges. On the basis of the previous exemption of corporate settlement account management fees and annual fees for all corporate customers, corporate settlement card services will be waived for all corporate customers this time. fee, and the discount period is 3 years.
3. Reduce the handling fees for RMB transfers and remittances, and implement a 10% discount for corporate inter-bank transfers and remittances of less than 100,000 yuan through counter channels for a period of 3 years.
4. Reduce bank card swiping fees. For standard merchant debit card issuing bank service fees and network service fees, a 10% discount will be provided on the basis of the current government guidance price, and the cap value will remain unchanged. The card-issuing bank service fees and network service fees of preferential merchants will continue to be discounted by 22% on the basis of the current government-guided prices. As an acquiring institution, our bank simultaneously reduces the acquiring service fees for merchants, and the preferential period is 3 years.
5. Reduce bank account opening handling fees, and provide a 50% discount on the handling fees for corporate settlement accounts opened by our bank for all corporate customers. The preferential period is 3 years.
6. Reduce the handling fees for corporate inter-bank transfers and remittances (online banking, mobile banking and other channels). For corporate inter-bank transfers and remittances within a single transaction of 100,000 yuan (inclusive), the current charging standards will be 9 Discount discounts are implemented; the handling fees for corporate bank transfers and remittances (over the counter channels) are reduced, and remittance handling fees are waived for corporate long-distance transfers of less than 100,000 yuan (inclusive). The preferential period is 3 years; corporate online The Bank will continue to waive remittance fees for transfers through banks and mobile banking channels.
7. Reduce the handling fees for corporate inter-bank transfers and remittances (ATM channels), and provide a 10% discount on the current charging standards for all corporate customers' inter-bank transfers and remittances through ATM channels. The discount period is for 3 years.
8. Reduce service fees for corporate online banking and bank-enterprise direct connection, and implement a 50% discount for all corporate customers for a period of three years.
9. Reduce corporate cash management service fees and implement a 50% discount for all corporate customers, with a discount period of 3 years.
10. Reduce the annual fee for digital certificates and implement a 50% discount for all corporate customers. The discount period is 3 years.
11. Reduce the production cost of public security certification tools and delete the common public USBKEY; the production cost of Bluetooth USBKEY will be charged at cost price to all corporate customers, and the dedicated USBKEY for bank-enterprise direct connection will be provided to customers free of charge , the preferential period for the above projects is 3 years.
04
Liu Liange, President of China Payment and Clearing Association: Four major payment development initiatives
On September 24, Executive Vice President and Secretary of China Payment and Clearing Association Chairman Chen Bo delivered a speech at the "10th China Payment and Clearing Forum" held in Beijing.
How to start from a new direction and new perspective to more effectively serve the real economy and help build a new development pattern requires the entire industry to think and explore together. Liu Liange put forward the following four suggestions:
First, further improve the consciousness of serving the "14th Five-Year Plan" and important national deployments.
Further smoothen the transaction link, support the construction of a large circulation system covering logistics, capital flow, and information flow, serve the digital and intelligent transformation of the circulation industry, and play a more active and effective role in opening up the domestic circulation and the domestic and international dual circulation. effect.
Second, further improve the pertinence of serving the real economy and the needs of the people.
Actively lower the focus of services, improve service capabilities for third- and fourth-tier cities and rural areas, focus on the payment pain points of small and micro enterprises and merchants, and create a professional, characteristic and comprehensive service economic system. Open up the running blood of the real economy.
Close to the needs of the people, help the elderly group cross the "digital divide" in the payment field, and better meet the people's needs for a better life.
Third, further improve the security of payment and clearing services.
Further improve the internal compliance system, fully integrate compliance concepts into all stages of product research and development, process design, and technology application, and improve the industry's sustainable development capabilities. Further leverage the role of payment as a social governance tool, strengthen industry risk control synergies, block illegal fund transfer channels, protect the people's financial security, and maintain national financial security.
Fourth, further improve the universality of innovative applications of payment technology.
It is necessary to further embrace the changes of the times, deepen transformation with the help of the promotion of digital currency and digital account opening, actively use tools such as suspicious transaction identification, delayed transactions, and smart contracts to promote the integration of blockchain, Internet of Things and other technological means. The deep integration of business scenarios accelerates the advancement of payment services in the direction of refinement and intelligence, providing a solid payment foundation for industrial transformation, upgrading and modern development.